Mr. Gerry Hassett:

It is the same period - from 2014 to 2017.

I wish to make another point because it is key. We must make reserve for settled claims and unsettled claims. What we are seeing is that the courts set norms. As these norms show an increase in the awards, two things are happening. More people are opting to go through the court process because they believe the outcome will be better. Second, given the predictability in the system in terms of where those awards are going, insurers are settling cases. The figures shared in respect of the court awards are accurate but they do not present the whole picture. Many of the claims that we have incurred have not yet been settled.